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El Paso County, Texas · 2025

Mortgage lenders in El Paso County, TX: denial rates and top lenders (2025)

411 lenders acted on 23,313 mortgage applications for properties in El Paso County in 2025. 18.2% were denied (Texas: 19.4%). Median rate on closed loans 6.38%; median loan $205,000; median property value $265,000.

23kApplications
18.2%Denial ratestate 19.4%
6.38%Median ratestate 6.50%
$205,000Median loan
$265,000Median property value

Largest lenders in El Paso County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Gecu D 2,0811,116 21.2%6.38%
2 United Shore Financial Services B 1,4181,085 8.8%6.00%
3 Rocket Mortgage C 1,191783 23.8%6.75%
4 Commerce Home Mortgage C 959636 3.4%6.63%
5 Rocky Mountain Mortgage C 849716 4.6%5.65%
6 Mortgage Research Center C 824404 16.9%6.25%
7 CMG Mortgage A 698506 4.0%6.38%
8 FirstLight Federal Credit Union D 625175 33.9%6.63%
9 Navy Federal Credit Union D 615226 26.0%6.38%
10 JPMorgan Chase Bank B 568379 6.3%6.50%
11 21st Mortgage F 56590 51.5%10.46%
12 Loanpeople B 540382 5.7%6.50%
13 Bank of America F 44990 55.5%6.49%
14 Broker Solutions D 440120 13.4%7.00%
15 Movement Mortgage A 424261 5.2%6.63%
16 Freedom Mortgage B 423179 5.4%6.25%
17 Newrez D 410119 26.1%6.25%
18 Cadence Lending Group A 394341 0.8%6.20%
19 First National Bank Texas B 337245 5.0%6.25%
20 American Pacific Mortgage C 323261 4.3%6.25%
21 Pennymac Loan Services C 315139 10.8%6.25%
22 Raiz Federal Credit Union D 300189 23.0%—
23 Crosscountry Mortgage B 286217 1.4%6.25%
24 Loandepot.Com D 259119 26.3%7.13%
25 Patriot Mortgage A 256220 1.6%5.63%

Best approval odds in El Paso County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Jnc Mortgage Company970.0%
2Cadence Lending Group3860.8%
3Eustis Mortgage621.6%
4Patriot Mortgage2241.8%
5Crosscountry Mortgage2241.8%
6Directions Equity873.5%
7CMG Mortgage5904.8%
8Commerce Home Mortgage6764.9%
9American Pacific Mortgage2785.0%
10Rocky Mountain Mortgage7555.2%

What El Paso County borrowers applied for

By loan purpose

Home purchase 12,528 54% · 10.2% denied
Refinance 3,498 15% · 18.9% denied
Cash-out refinance 3,846 16% · 26.0% denied
Home improvement 1,775 8% · 36.1% denied
Other / HELOC 1,666 7% · 39.6% denied

By loan type

Conventional 13,576 58% · 25.1% denied
FHA 4,763 20% · 8.6% denied
VA 4,856 21% · 8.4% denied
USDA / RHS 118 1% · 5.1% denied

Why applications were denied

Debt-to-income ratio 1,180 28%
Credit history 1,173 28%
Incomplete application 528 13%
Other 480 12%
Collateral 458 11%
Unverifiable information 185 4%
Insufficient cash 117 3%
Employment history 46 1%

El Paso County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202320,61910,43820.9%6.75%$185,000
202422,61411,95820.3%6.63%$195,000
202523,31312,74518.2%6.38%$205,000

Frequently asked questions

18.2% of applications in El Paso County were denied in 2025, against 19.4% statewide in Texas.

Gecu, with 2,081 applications in 2025 and a denial rate of 21.2%.

The median mortgage application in El Paso County in 2025 was for $205,000; the median property value on originated loans was $265,000.